If you run analog multi-channel cables (a "snake") from the card analog outs to the receiver, then you just need a good multi-channel amp (and speakers).
If you run digital out (Dolby Digital Out) then you still need a receiver that can decode Dolby Digital.

If you run analog multi-channel cables (a "snake") from the card analog outs to the receiver, then you just need a good multi-channel amp (and speakers).
If you run digital out (Dolby Digital Out) then you still need a receiver that can decode Dolby Digital.

If I run the Digital Out and let the Receiver decode it, then what is the point of an expensive card? Can I just use one of these?